PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Shelter Financial Bank

Columbia, MO · Cert 35002

FDIC

Q4 2012

$144.2MAssets
$139.2MLoans
$63.0MDeposits
$17.0MEquity
Loan mix
65%RE $88.4M3%C&I $3.9M32%Consumer $43.6MQ4 2011Q4 2012
Deposit mix
36%Interest-bearing $22.9M64%Noninterest $40.1MQ4 2011Q4 2012

NIM

4.56%Q1 ’124.63%Q3 ’124.66%Q4 ’12+5%-53%

Non-interest income vs. expense

1.77%Q1 ’121.84%Q3 ’122.36%Q4 ’12+3%+23%

Executive Summary

  • Earnings: ROA of -0.40%, down 98 bps year over year; NIM at 1.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 220.98% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.40%-98 bps YoY

Net Interest Margin (YTD, annualized)

1.28%

Efficiency Ratio (YTD, annualized)

167.92%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.57%0.51%0.48%0.55%-0.40%-98 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a2.60%2.67%2.73%1.28%n/a
Efficiency Ration/a67.61%69.78%66.57%167.92%n/a
Non-Interest Burdenn/a1.75%1.86%1.81%2.24%n/a
Growth
Asset Growth (YoY)-4.70%-3.69%-7.44%-5.79%-16.26%-1,157 bps
Loan Growth (YoY)-1.99%-4.77%-5.24%-2.84%-12.36%-1,037 bps
Deposit Growth (YoY)-3.04%0.92%-6.03%-29.74%-44.90%-4,186 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a-0.01%0.07%0.06%0.08%n/a
Allowance / Loansn/a1.42%1.40%1.39%1.15%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a15.15%15.66%15.94%16.55%n/a
Equity / Assetsn/a10.50%11.04%11.45%11.81%n/a
Liquidity & Funding
Loans / Deposits138.94%137.93%146.09%197.26%221%+8,205 bps
Liquid Assets / Assets0.00%4.94%2.75%0.18%0.22%+22 bps
CRE / Total Capitaln/an/an/an/an/an/an/a